BDO, nagbabala laban sa mga ‘vishing’ scam

PATULOY na pinag-iingat ang publiko laban sa tinatawag na "vishing" o voice phishing scam na kadalasang tumatarget ng mga bank depositor o online bank account client para nakawin ang kanilang pinaghirapang pera.

Ang vishing ay isang modus ng scam kung saan ang scammer ay tumatawag upang makumbinsi ang kanilang nabiktima na magbigay ng sensitibong impormasyon tulad ng bank account details. Kapag nakuha na ang nasabing impormasyon, dito na maaaring nakawin ng scammer ang laman ng bank account ng biktima.

Ayon sa BDO Unibank, narito ang ilan sa kadalasang ginagamit na modus ng mga vishing scammer upang mangbiktima:

1. Tatawag sa biktima at magpapanggap na representante ng isang ahensya ng gobyerno, bangko, o di kaya'y magpapadala ng text o direct message para sila na mismo ang tawagan ng napili nilang biktima.

2. Upang makumbinsi ang biktima na sya ay lehitimo, gagamit ang scammer ng impormasyong tungkol sa credit card o bank account ng biktima bilang dahilan ng kanyang pagtawag. Ang mga impormasyong ito ay maaaring makuha ng mga scammer sa mga dokumentong may sensitibong detalye na hindi naitapon ng maayos, o sa mga posts sa social media ng mismong biktima. May mga pagkakataon din na bumibisita o sumasali mismo ang mga scammer sa mga "credit card o bank account groups" sa social media para doon sila maghanap ng mabibiktima.  

3. Gagamit ng pananakot o mabilis at kapani-paniwalang pananalita ang mga scammer upang tuluyang makumbinsi ang kanilang biktima, tulad ng mga katagang "na-hack ang iyong account", "may na-detect na problema sa account mo", "Congrats! Nanalo ka ng...," "Special Offer! Effective only today!," o inaatasan ang biktima na i-activate ang isang offer sa ATM kapalit ng isang reward.  

4. Habang tumatagal ang usapan, tumataas din ang posibilidad na makumbinsi ng scammer ang biktima. Dahil inaakala ng biktima na lehitimo ito at hindi nya makayang putulin ang tawag o ibaba ang telepono, mas malaki rin ang posibilidad na sundin nya kung anomang instructions ang ibigay ng scammer tulad ng pagbibigay ng Card Verification Value o CVV ng credit card, username at password ng online bank account, One-Time PIN o OTP, o ang pag-click sa isang link na ipapadala ng scammer.

Sa lahat ng mga nabanggit na scenario, ang pinakakaraniwan dito ay ang pagmamadali ng scammer sa biktima nila na umaksyon na agad habang kausap ito sa telepono. Dahil dito, maaaring mataranta ang biktima at sumunod sa mga ibibigay na utos ng scammer.

Upang hindi maging biktima ng vishing scam, nagpapaalala ang BDO sa publiko na laging maging mahinahon kung makakatanggap ng text o tawag lalo sa mga hindi rehistradong numero. Dagdag pa ng bangko na kahit na alam ng scammer ang numero, pangalan at trabaho nila, huwag kaagad maniniwala sa binibitawang mensahe o susunod sa mga instruction nito. Marapat na tapusin na ang tawag lalo na kung may pagmamadali, at tumawag sa official customer service hotline ng sinasabing ahensya o bangko, dagdag pa ng BDO.

Ayon pa sa BDO, matapos ma-verify na peke ang nasabing tawag, i-block na agad ang numerong ginamit ng scammer at i-report ang insidente sa Customer Contact Center nito.

Para alamin ang iba’t-ibang uri ng scam at tips kung paano makakaiwas dito, marapat na bumisita lang sa www.bdo.com.ph. #BDOStopScam

SM City Baguio's rainwater treatment facility: A model for water sustainability

SM City Baguio is making significant strides in water stewardship with its innovative rainwater treatment facility (RTF), launched in July 2023. In the months since, the facility has already processed over 17,111.80 cubic meters of rainwater – equivalent to 7 Olympic-size swimming pools, or enough to fill over 6,800 standard water tankers – into potable water for the SM mall’s operations and for their lessees’ use.

SM City Baguio's groundbreaking rainwater treatment facility has treated over 17,000 cubic meters of rainwater into drinkable water.

This initiative supplements the mall's water supply from the Baguio Water District and significantly contributes to the city's water security and the safety of its residents. Located at the mall’s basement level, the RTF provides 30% of the mall’s total monthly average requirement for clean water that is safe for consumption and food preparation.      

"There is a critical need for reliable and safe water sources," said Baguio City Mayor Benjamin Magalong. "And SM City Baguio's rainwater treatment facility is a commendable initiative that directly addresses this need. We hope that other private establishments can adopt similar projects for the efficient use of our water resources."

The RTF utilizes a meticulous six-step treatment process, with equipment monitored and parameters checked in real time to ensure optimal performance. The processed water undergoes regular testing by the city’s accredited testing facility and consistently passes all water potability standards.

The rainwater treatment facility (RTF) of SM City Baguio utilizes a rigorous six-step treatment process with real-time monitoring, ensuring processed water always adheres to potability requirements.

"This facility is a testament to SM Prime Holdings' commitment to sustainable operations and to the well-being of the communities we serve," said Engr. Liza Silerio, SM Supermalls’ Vice President and Sustainability and Resilience Head. "By maximizing rainwater harvesting and treatment, we are not only reducing our reliance on the city's water supply but also contributing to a healthier and more resilient Baguio City."

The impact of the RTF extends beyond the mall itself. With reduced reliance on the city's water supply, water haulers have been able to service more households, particularly during periods of water scarcity experienced throughout the city.

SM City Baguio's rainwater treatment facility stands as a shining example of how businesses can play a vital role in addressing critical community needs through innovative and sustainable solutions.

SM Prime remains committed to its role as a catalyst for economic growth, delivering innovative and sustainable lifestyle cities, thereby enriching the quality of life of millions of people. SM Prime is pursuing the next horizon in integrated property development and onward to building sustainable cities of the future.

SM Prime: Engineering a sustainable future

SM Prime leads the way in sustainable development, integrating sustainability into its core business strategy.

Sustainability has become a driving force across every industry. For SM Prime Holdings, Inc. (SM Prime), one of Asia’s leading integrated property developers, sustainability is elevated through a strategic framework that leverages the company’s extensive operations, significant economic impact, and cultural influence.

SM Prime’s sustainability journey began in the 1990s, guided by a focus on resilience and practicality. The company has always valued substance over style, favoring strategies grounded on real-world application rather than flashy, short-term fixes.  Its strategy is built on what truly matters to the business and the community it serves, ensuring that its sustainability efforts are both effective and enduring.

In its 2023 Annual Integrated Report, SM Prime introduced its Sustainability Ambition Roadmap with a clear and powerful message: Together for a sustainable future – aligned with its vision of creating and managing innovative, sustainable, and integrated property developments that enhance the quality of life for all.

SM Prime’s sustainability strategy is built on three main goals: (1) Environmental sustainability, (2) Prosperity for all, and (3) Climate resilience.

Building on its sustainability framework of Economy, People, Planet, and Community, SM Prime identified three major goals to pursue: Environmental sustainability, Prosperity for all, and Climate resilience – all aimed to create a future marked by sustainability, resilience, and widespread prosperity by 2030, 2040, and beyond.

Under its environmental sustainability strategy are two significant programs released by the company:  Net Zero by 2040 and #SMWasteFreeFuture.

Net Zero by 2040

SM Prime is committed to enhancing people’s quality of life by intensifying climate action, reducing disaster risks, investing in resilient design, protecting biodiversity, and implementing strategic corporate social responsibility programs, with its main focus on climate action toward a net-zero business. The company has been collaborating with the World-Wide Fund (WWF) for Nature-Philippines to establish science-based targets in alignment with the global commitment of a net-zero ambition by 2050.

“We understand the magnitude of the challenges we face to achieve our Net-Zero commitment. SM Prime is determined to take action and meet its climate commitments. This is one of our top agendas in sustainability,” said Jeffrey C. Lim, SM Prime President and CEO.  

SM City Santa Rosa's solar photovoltaic (PV) system has 5,772 panels at 3.088 MWp capacity and has an annual solar energy production of up to 4.292GWh.

#SMWasteFreeFuture

SM Prime launched its vision for an #SMWasteFreeFuture, in support of the United Nations Environment Programme’s (UNEP) International Day of Zero Waste. The program introduces a simple segregation scheme: Recyclable, Disposable, and Compostable (RDC), all aimed at reducing overall waste generation and increasing the waste diversion rate from landfills through sustainable disposal methods. The initiative was launched nationwide for SM employees and across all SM property groups and stakeholders.

SM Prime continues to support existing programs and partnerships that promote better waste management solutions. Initiatives such as SM Supermalls’ Trash-to-Cash recycling market, Plastic Waste Collection and E-Waste Collection programs, and regular coastal and estero clean-up activities effectively engage the community in rethinking their relationship with waste.

To address food waste, SM Hotels and Convention Corporation (SMHCC) has pioneered projects such as The Sustainable Diner with WWF-PH, diverting 198,640 kg of food waste

through bokashi composting and 40,013 kg through biodigesters. SMHCC also launched Tela Tales, a program that recycles condemned linens.

SM Prime gathers the community for a #SMWasteFreeFuture

SM Development Corporation (SMDC) recently partnered with Globe and Scholars of Sustenance Philippines for the Hapag Movement, aimed at targeting food waste and involuntary hunger affecting millions of Filipinos. “As a community, we strongly believe in our ability to contribute to solving today's waste issues. We understand that this may seem like a daunting challenge to overcome. However, by joining forces, we can create a world that our future generations truly deserve – if we have the courage to take on this journey together,” said Hans “Chico” Sy, Jr., President of SM Engineering Design and Development Corporation (SMEDD) and SM sustainability champion. 

Water stewardship

SM Prime is committed to water stewardship by implementing innovative water conservation and management practices, ensuring that properties developed are more responsive and adaptable to the changing needs of communities.

Through its sewage water treatment plants, wastewater is processed, preventing contaminated water from polluting local waterways and for reuse. The recycled water is utilized in malls for water closet flushing, air conditioning operations and landscape greening.

SM City Baguio’s Rainwater Filtration Facility addresses water security and ensures a safe and sufficient water supply for the operations of the mall and its tenants.

SM Prime Holdings, Inc.’s Chairman Henry T. Sy, Jr. receives SM Prime’s 30th Listing Anniversary Plaque from the Philippine Stock Exchange’s President and CEO Ramon S. Monzon.

Prosperity for all

SM Prime’s developments serve as catalysts for socio-economic progress, delivering tangible benefits to all stakeholders. Founded by Henry Sy, the company remains committed to his vision of bringing world-class developments to the Philippines. A vision perfectly exemplified through the Mall of Asia Complex which offers a blueprint for future cities that go beyond commercial success to embrace a holistic approach to urban development.

SM Prime celebrated its 30th year as a publicly listed company last July 23, signifying three decades of service and transformative growth in the Philippine real estate industry.

“True leadership is marked by a solid dedication to collective success. Our journey at SM Prime demonstrates the power of dreaming big and the incredible achievements that follow when you pursue those dreams with determination and hard work.” – JEFFREY C. LIM, SM PRIME PRESIDENT AND CEO

Create waves of positive change with SM at the 2024 International Coastal Clean-Up

The International Coastal Clean-Up (ICC) is back for another year and is shaping up to be the biggest one yet, taking place simultaneously on September 21 in 15 different SM Supermalls across the country: SM By the Bay at SM Mall of Asia Complex, SM Tuguegarao Downtown, SM City Tuguegarao, SM City Bataan, SM City Olongapo Central, SM City Olongapo Downtown, SM City Sorsogon, SM City Legazpi, SM Daet, SM City Puerto Princesa, SM City Roxas, SM City Cebu, SM City Seaside Cebu, SM City Mindpro, and SM City General Santos. Together, we can make a significant impact on our oceans and create a cleaner, healthier environment for all.

In 2023, SM Cares recorded more than 100,000 kg of trash collected with the help of an estimated 17,000 total volunteers from 15 SM Supermalls nationwide. This year, in celebration of its 20th year of supporting communities and creating a positive impact on the environment, SM Cares aims to double the amount of solid waste collected to 200,000 kg, eyeing a volunteer count of 20,000.

If you're interested in joining the global movement towards cleaner seas and oceans, SM Cares is inviting you to be part of this year's ICC!

For participants from NCR, you may register via SM Malls Online through this link: https://click.smmallsonline.com/DFqS/ICC2024

For participants from Cebu, you may register via SM Malls Online at https://click.smmallsonline.com/DFqS/ICCSMSSXSMCC

For outside of NCR and Cebu, you may visit this link: https://bit.ly/ICC2024-Registration

SM Cares is the corporate social responsibility arm of SM Supermalls, responsible for initiatives that promote sustainability and the development of the community. SM Cares’ advocacies include programs on Women and Breastfeeding Mothers, Persons with Disabilities, Senior Citizens, and Children and Youth, as well as the Bike-Friendly SM initiative, in addition to its Programs on Environment.

Embracing net zero: The Philippines' urgent call to climate action

As we enter the typhoon season, recent extreme weather events have once again underscored the Philippines' vulnerability to such conditions.

As the nation grapples with the potential aftermath, it is clear that being part of the global conversation on achieving net zero emissions is imperative. This typhoon has highlighted the urgency for the Philippines to be an active participant in the fight against climate change, not only to mitigate future impacts but to also contribute to global solutions.

The concept of net zero refers to balancing the amount of greenhouse gases emitted with an equivalent amount removed from the atmosphere. For the Philippines, a country frequently in the crosshairs of severe weather, achieving net zero is a crucial step towards enhancing climate resilience. The recent typhoon has made it evident that the country cannot afford to be a bystander in the global efforts to combat climate change. Instead, it must be a proactive player, advocating for and implementing strategies that contribute to the global net zero target.

One of the key areas where the Philippines can make a significant impact is by leveraging its abundant natural resources to transition to renewable energy sources. By increasing investments in solar, wind, and hydroelectric power, the nation can reduce its reliance on fossil fuels, thereby lowering its carbon footprint. 

This transition is crucial for achieving net zero and offers the added benefit of creating a more resilient energy infrastructure less susceptible to disruptions caused by extreme weather.

SM Prime Holdings, Inc. recognizes the equal importance and urgency of both climate change adaptation and mitigation. As part of our strategy, we are investing 10% of our Capital Expenditure (CAPEX) in sustainability and disaster resilience design.

A significant initiative supporting this commitment is SM Prime’s pledge to achieve net zero emissions by 2040. As the country’s leading integrated sustainable property developer, we have committed to the Science-Based Targets Initiative (SBTi), a recognized global standard for corporate decarbonization targets. This makes us one of the few corporations in the Philippines to do so. To ensure our near and long-term science-based targets for 2030 and 2040 align with the global commitment to achieve net zero by 2050, SM Prime collaborates with the World-Wide Fund for Nature Philippines (WWF) through their Corporates for a Better Planet Initiative (CBPI) program.

This ambitious target is supported by concrete actions, such as the installation of onsite solar panels across various properties and strategic partnerships for renewable energy sourcing. These initiatives not only reduce the company's carbon footprint but also set a precedent for other businesses to follow, demonstrating that sustainable practices can be integrated into core business operations.

Pledging to advance every person’s right to a better quality of life through heightened climate action, disaster risk reduction, biodiversity protection, and our strategic corporate social responsibility programs, this commitment places climate action at the forefront as one of SM Prime’s sustainability agenda.

SM Supermalls have enhanced natural lighting and improved insulation, reducing energy needs for lighting, heating, and cooling, leading to more efficient and environmentally friendly operations.

Using solar panels or other renewable energy sources lowers the carbon footprint, leading to reduced greenhouse gas emissions and decreased reliance on non-renewable energy.

SM Prime joins global conversation on building sustainable cities for the future

SM Prime Holdings (SM Prime) played a pivotal role in advancing sustainable urban development by hosting the 7th annual Association of Pacific Rim Universities – Sustainable Cities and Landscapes (APRU-SCL) 2024 Conference and 3rd International Conference on Human Settlements Planning and Development (ICHSPD) at SMX Convention Center Aura. This prestigious event, organized by the University of the Philippines Los Baños (UPLB), brought together over 300 experts to discuss innovative solutions for building greener and more resilient cities. Focused on the theme "Advancing Sustainable Cities and Communities Through Science, Technology, and Innovation," the conference highlighted the importance of collaboration in addressing urban challenges.

(L-R): Moderator Efraim Roxas, Environmental, Land Use and Urban Planning and Development Bureau (ELUPDB) Director Mylene Rivera, SM Supermalls’ President Steven Tan, and Tohoku University Professor Jeongsoo Yu

SM’s commitment to sustainability was evident through the participation of its top executives. SM Supermalls’ President Steven Tan showcased SM Supermalls’ eco-friendly practices and community-focused programs. 

“Our malls are more than just shopping centers; they are dynamic public spaces, woven into the daily lives of millions of Filipinos. Our comprehensive environmental sustainability programs are deeply inspired by the vision of our Chairman of the Executive Committee, Mr. Hans Sy, a tireless advocate for environmental sustainability and disaster resilience,” Mr. Tan said.

SM Supermalls’ President Steven Tan highlights the malls’ sustainability initiatives.

He added, “At SM Supermalls, we leverage science and technology to develop innovative solutions that are seamlessly integrated into the design and operation of our malls. We remain committed to leveraging innovation and collaboration to build a greener, more resilient, and more sustainable future for the Philippines.”

SM Prime and SM Development Corporation (SMDC) Lead Executive for Design, Innovation, and Strategy Jessica Bianca Sy, shared the company’s vision of creating sustainable integrated properties that foster lively communities.

(L-R): University of the Philippines Los Baños’ (UPLB) Dean Jennifer Marie Amparo, UPLB Chancellor Jose Camacho Jr., Association of Pacific Rim Universities (APRU) Chief Executive Thomas Schneider, Makati Mayor Abigail Binay, SM Prime and SM Development Corporation (SMDC) Lead Executive for Design, Innovation, and Strategy Jessica Bianca Sy, International Conference on Human Settlements Planning and Development (ICHSPD) Conference Director Edgar Reyes Jr., and APRU-Sustainable Cities and Landscapes Director Yekang Ko

National Resilience Council (NRC) Executive Director Silvestre Barrameda Jr. highlighted SM’s role in disaster preparedness. He presented “From Risk to Resilience: The Work of the National Resilience Council in Risk Governance” where he introduced the Resilience Local Government Unit Program (RLGUP), NRC’s approaches and tools and how risk governance is supported by the sciences.

National Resilience Council (NRC) Executive Director Silvestre Barrameda Jr. showcases SM Supermalls’ resilient infrastructure.

SM Prime’s commitment to sustainability was further emphasized during a breakout session on creating connections and partnerships, hosted by Jonas Marie Dumdum, Senior Consultant and Sustainability Lead of Nomura Research Institute (NRI) Manila Branch. Katherine Custodio, Executive Director of World Wide Fund For Nature (WWF)-Philippines, underscored the significance of collaboration: “Any program that aims to build climate resilience requires strong partnerships and working together across all sectors.”

SM Prime remains committed to its role as a catalyst for economic growth, delivering innovative and sustainable lifestyle cities, thereby enriching the quality of life of millions of people. SM Prime is pursuing the next horizon on integrated property development and onward to building sustainable cities of the future. 

Collaborative partnerships for climate resilience

The Philippines tops the list of countries with the highest disaster risk, thus building our capacity to respond, bounce back and adapt to intensifying climate impacts is a nationwide priority and shared responsibility.

“Any program that aims to build climate resilience requires strong partnerships and working together across all sectors,” said World-Wide Fund for Nature Philippines (WWF-PH) Executive Director, Katherine Custodio at the breakout session of the 7th Annual Conference of the Association of Pacific Rim Universities – Sustainable Cities and Landscapes Conference and Student Symposium 2024 (APRU-SCL 2024). 

 “There is definite opportunity for platforms or networks to come together and bring to life our national policies and our commitments, but for these to succeed, there needs to be sincere effort and openness to work across different sectors and disciplines,” said Custodio. The session on creating connections and partnerships was hosted by Jonas Marie Dumdum, Senior Consultant and Sustainability Service Lead of Nomura Research Institute (NRI) Manila Branch.

Jonas Dumdum of Nomura Research Institute (NRI) Manila and World-Wide Fund for Nature (WWF)-Philippines Executive Director Katherine Custodio on Collaborative Partnerships for Climate Resilience, at the breakout session of the 7th Annual Association of Pacific Rim Universities – Sustainable Cities and Landscapes Conference and Student Symposium 2024 (APRU-SCL 2024) Conference on Advancing Sustainable Cities and Communities through Science, Technology, and Innovations, is hosted and organized this year by the University of the Philippines Los Baños (UPLB). 

“Finding the right champions within the company – that’s very important. It helps to engage the leaders from the top,” said Custodio, who has seen the history of the shared goals between the NGO and its many corporate partners over the years.

Ms. Jessica Bianca Sy, Lead Executive for Design, Innovation and Strategy for SM Prime and SMDC, shares her insights on sustainable and climate-resilient integrated properties.

WWF-Philippines and SM Prime Holdings, Inc., (SM Prime) have partnered on successful programs such as the YOUth are the Future, the annual Earth Hour campaign with SM Supermalls, SM Hotel’s Sustainable Diner, and the Hamilo Coast Sustainable Development project that’s now in its 14th year. 

“At SM Prime, we dream big for our shared future. True prosperity transcends financial success. Our commitment to developing sustainable integrated properties is matched by our efforts to foster vibrant, inclusive communities wherever we build legacy properties that weather the challenges of time and that last for generations,” said Ms. Jessica Bianca Sy, Lead Executive for Design, Innovation and Strategy for SM Prime and SM Development Corporation (SMDC), during the event.

As one of Asia’s leading integrated property developers, SM Prime believes that taking the right climate action must be grounded in science and endeavor to transition to a net-zero economy. SM Prime’s partnership with WWF-PH ensures that its near and long-term science-based targets for 2030 and 2040, align with the global commitment to achieve net zero by 2050.

“WWF-PH is pleased to work with SM Prime on their decarbonization efforts through our Corporates for a Better Planet Initiative (CBPI) program.  Companies such as SM Prime are guided in identifying climate-related risks, working on a roadmap, and publicly committing to their science-based targets,” said Custodio.  

“Change does not happen overnight. This is something we have learned in our work with communities all over the country. True partners are willing to work together for a long time, and actively listen to each other,” said Custodio, when asked by Dumdum about climate partnerships and shared purpose. “When your project positively impacts people’s livelihood and wellbeing - when people’s lives improve in a durable way, that’s when you know you’ve created an impact,” she said. 

SM Prime remains committed to its role as a catalyst for economic growth, delivering innovative and sustainable lifestyle cities, thereby enriching the quality of life of millions of people. SM Prime is pursuing the next horizon on integrated property development and onward to building sustainable cities of the future. 

The 7th APRU-SCL 2024 is hosted and organized this year by the University of the Philippines Los Baňos, at the SMX Aura Convention Center, from August 6-8, 2024. For more information, email: hspdconf@up.edu.ph or visit the website: dcerp.che.uplb.edu.ph/ichspd.